Cheapest Car Insurance In Montana For 2024
State Farm is well-known for its reliable and competitively priced basic auto insurance coverage in Montana, starting at $20 each month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Affordable car insurance in Montana may seem hard to come by, but with the right approach, it’s possible. State Farm, a reliable insurance provider, offers competitive rates and various coverage options, from basic to comprehensive. As costs rise, securing the right insurance at a fair price is crucial.
Whether you’re a beginner driver, an everyday commuter, or a family seeking savings, understanding rate factors and knowing where to find the best offers can make all the difference. After over ten years of study, this guide will help you navigate Montana’s insurance market effectively.
Cheapest Car Insurance Companies In Montana
Cheapest Car Insurance In Montana For Young Drivers
In Montana, young adults often benefit from cheaper car insurance rates than teenagers, as they generally drive more cautiously. This results in fewer accidents and claims, leading insurers to provide lower premiums for young adults with better safety records.
Cheapest Montana Car Insurance For 16-Year-Olds
Nationwide offers the most attractive pricing for sixteen-year-olds, with an average monthly cost of $369.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $476 | $5,703 |
| Progressive | $714 | $8,567 |
| Allstate | $772 | $9,264 |
| Nationwide | $369 | $4,423 |
| Geico | $465 | $5,576 |
Cheapest Montana Car Insurance For 17-Year-Olds
Nationwide offers the lowest insurance costs for seventeen-year-olds, averaging $355 per year.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $436 | $5,233 |
| Geico | $438 | $5,251 |
| Allstate | $629 | $7,539 |
| Nationwide | $355 | $4,255 |
| State Farm | $415 | $4,977 |
Cheapest Montana Car Insurance For 18-Year-Olds
Nationwide offers the lowest insurance costs for 18-year-olds, averaging $333 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $384 | $4,601 |
| Geico | $438 | $5,251 |
| Allstate | $524 | $6,280 |
| Nationwide | $333 | $3,993 |
| State Farm | $371 | $4,451 |
Cheapest Montana Car Insurance For 21-Year-Olds
Opting for State Farm insurance means paying around $164 per month for 21-year-olds
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $184 | $2,199 |
| Geico | $310 | $3,719 |
| Farmers | $354 | $4,250 |
| State Farm | $164 | $1,968 |
| Nationwide | $182 | $2,174 |
Cheapest Car Insurance In Montana For Minimum Coverage
In Montana, State Farm’s rates for basic car insurance coverage start at just $20 per month, making them highly competitive.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Progressive |
$45 |
$538 |
|
GEICO |
$42 |
$501 |
|
Farmers |
$30 |
$358 |
|
Allstate |
$45 |
$538 |
|
State Farm |
$20 |
$238 |
In Montana, drivers must carry minimum car insurance to drive legally, typically including liability coverage for bodily injury and property damage. Bodily injury liability covers medical expenses and legal fees if you cause an accident that injures others, while property damage liability covers costs for repairing or replacing others’ property or vehicles that you damage. These coverage minimums are set by state law and can vary based on your driving history or vehicle type. It’s important to be aware of these requirements for proper financial protection.
Cheapest Car Insurance In Montana For Full Coverage
State Farm’s full coverage car insurance is the best value in Montana, with monthly premiums averaging $50.
| Provider | Average Monthly Cost | Average Annual Cost |
|
GEICO |
$114 |
$1,366 |
|
$50 |
$598 |
|
|
Allstate |
$90 |
$1,078 |
|
Farmers |
$85 |
$1,018 |
|
Progressive |
$96 |
$1,150 |
Drivers in Montana have the option to choose full coverage car insurance, which goes beyond the basic liability insurance required by the state. This comprehensive insurance includes collision coverage for accident-related damages and comprehensive coverage for incidents such as theft or fire. Opting for full coverage ensures financial security and peace of mind, preparing you for a range of risks. Reviewing policy details, including coverage limits and deductibles, is crucial to ensuring it meets your specific needs.
Cheapest Car Insurance In Montana For Seniors
Seniors in Montana can select State Farm, which offers an economical plan averaging $45 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
GEICO |
$122 |
$1,462 |
|
Farmers |
$75 |
$898 |
|
Progressive |
$79 |
$946 |
|
Allstate |
$100 |
$1,198 |
|
State Farm |
$45 |
$538 |
Seniors often benefit from reduced car insurance rates because they’re viewed as experienced and cautious drivers. Many seniors also tend to drive less, which lowers their accident risk. Insurance companies sometimes offer discounts for older drivers and provide extra savings for those who take a defensive driving course to boost safety.
Cheapest Car Insurance In Montana For Drivers With Poor Credit
Montana drivers with poor credit can benefit from Nationwide’s competitive insurance rates, starting at approximately $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Progressive |
$162 |
$1,942 |
|
Farmers |
$142 |
$1,702 |
|
State Farm |
$105 |
$1,258 |
|
Nationwide |
$100 |
$1,198 |
|
GEICO |
$172 |
$2,062 |
Your credit score plays a crucial role in determining car insurance rates in Montana. Insurers analyze credit history to assess risk, which can result in higher premiums for those with lower scores. Drivers with poor credit are generally seen as higher-risk for claims. However, they can still lower their insurance costs by comparing quotes and seeking discounts.
Cheapest Car Insurance In Montana For Good Drivers
State Farm provides the most competitive rates for good drivers in Montana, with an average monthly expense of $50.
| Provider | Average Monthly Cost | Average Annual Cost |
|
GEICO |
$114 |
$1,366 |
|
State Farm |
$50 |
$598 |
|
Allstate |
$90 |
$1,078 |
|
Farmers |
$85 |
$1,018 |
|
Progressive |
$96 |
$1,150 |
In Montana, safe drivers’ car insurance costs can vary depending on their driving history, age, and desired coverage. Typically, individuals with a clean driving record may qualify for lower premiums because insurers consider them less risky. They may also be eligible for discounts for maintaining a good driving record. Safe drivers should compare quotes from multiple insurers to find competitive rates and coverage options that meet their needs.
Cheapest Car Insurance In Montana For Drivers With Prior Incidents
In Montana, people who have been involved in accidents, received speeding tickets, or been charged with DUI often face challenges in obtaining affordable car insurance. Insurers perceive them as high-risk, leading to increased premiums to offset potential claims. This situation is particularly prevalent in Montana due to its high frequency of traffic accidents. Insurers base their pricing strategies on statistical analyses indicating a correlation between previous driving incidents and a higher likelihood of future claims.
Cheapest Car Insurance In Montana After A Speeding Ticket
Save money with State Farm if you have speeding tickets; their average premiums are just $100.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $224 | $2,686 |
| Allstate | $240 | $2,878 |
| State Farm | $100 | $1,198 |
| Progressive | $266 | $3,190 |
| Farmers | $435 | $5,218 |
Most Affordable Car Insurance In Montana After An At-Fault Accident
Drivers facing speeding fines can save money by choosing State Farm, which offers average premiums of $102.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farmers | $435 | $5,218 |
| Progressive | $310 | $3,718 |
| Allstate | $340 | $4,078 |
| State Farm | $102 | $1,218 |
| GEICO | $290 | $3,478 |
Cheapest Car Insurance In Montana After A DUI
USAA’s average premium of $160 offers the best value for drivers affected by DUI incidents.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $310 | $3,718 |
| GEICO | $545 | $6,538 |
| Progressive | $240 | $2,778 |
| Farmers | $424 | $5,086 |
| USAA | $160 | $1,918 |
Average Cost Of Auto Insurance In Montana – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $630 | $7,557 |
| 17 | $594 | $7,127 |
| 18 | $543 | $6,515 |
| 19 | $443 | $5,309 |
| 21 | $304 | $3,640 |
| 25 | $225 | $2,698 |
| 35 | $199 | $2,388 |
| 45 | $186 | $2,231 |
| 55 | $169 | $2,024 |
| 65 | $175 | $2,094 |
| 75 | $214 | $2,566 |
Average Cost Of Car Insurance In Montana – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,300 |
| Male | Single | $1,342 |
| Female | Married | $1,497 |
| Male | Married | $1,522 |
Average Cost Of Auto Insurance In Montana – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $110 | $1,318 |
| Good | $115 | $1,378 |
| Poor | $160 | $1,918 |
Cheapest Car Insurance In Montana By City
| City | Average Monthly Cost | Average Annual Cost |
| Miles City | $215 | $2,579 |
| Missoula | $182 | $2,179 |
| Orchard Homes | $183 | $2,191 |
| Ronan | $207 | $2,474 |
| Dillon | $191 | $2,293 |
Car Insurance Discounts In Montana
Finding car insurance discounts can lead to savings, and your agent may suggest additional options. Here are popular discounts:
- Safe Driver Discount: For maintaining a spotless driving record.
- Multi-Vehicle Discount: Insuring multiple cars on one policy can save money.
- Bundling Discount: Combine auto insurance with other policies to reduce costs.
- Good Student Discount: High grades may qualify students for a discount.
- Defensive Driving Discount: Completing a defensive driving course may lower premiums.
Minimum Car Insurance Requirements In Montana
Montana requires drivers to hold at least minimum car insurance, which includes liability coverage of 25/50/20: $25,000 per person, $50,000 per accident, and $20,000 for property damage. Also required is uninsured/underinsured motorist coverage at $25,000 per person and $50,000 per accident. PIP provides coverage for medical expenses and lost income, but the HIP option may allow certain health insurance plans to replace PIP.
Our Methodology
During our research, we utilized a structured approach to gather and analyze data on various car insurance providers and their policies. Initially, we identified critical aspects to assess, such as coverage options, pricing, customer satisfaction, and financial stability. Next, we collected information from reliable sources such as insurance company websites, consumer review platforms, and industry reports. Once the data was gathered, we organized it into categories and evaluated each insurer based on predetermined criteria. This involved comparing coverage options, premium rates, discounts offered, and customer feedback to determine the strengths and weaknesses of each provider.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is car insurance a month in Montana?
Car insurance costs per month in Montana vary, based on age, driving history, and the coverage the driver opts for.
What is the minimum car insurance one must have in Montana?
Drivers in Montana need auto insurance that provides liability coverage for injuries and property damage.
Which insurance is better in Montana?
Finding the right insurance in Montana depends on individual needs, driving style, and coverage preferences. It’s best to compare quotes from a few insurers to see which plan suits you best.
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